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is mentioning in all of these tragic shootings, including the law office in san francisco, they were all gone- free calzones. -- gun-free kill zones. the gun is not the common denominator, but these allow any madman or criminal with any kind of fire arm to come in and shoot as many law-abiding americans as he can. this proves not that the gun is the problem but that gun-control itself is a failure because there is no stronger form of gun control than to say no one is allowed to have a gun at all. otherhat's exactly the common denominator for all of these tragic occurrences. not one person in the mainstream media has pointed it out to their viewers because it does not sit with their anti-bond big it should -- anti-gun bigotted nature. it is being marketed shamelessly in the mainstream media. i swear these people are trying to introduce a new form of bigotry and to american culture. gun-control is the new racism. cnn in particular should be ashamed of itself for what it has done this week on trying to manipulate and inflame the prejudices against guns and gun owners. it's despicable and it's a
in san francisco. the key thing is hurting the rest. look at the premiums that are being charged. if we can maintain that focus, the risk regiment focus that the fha has taken on, there is an argument to say, let's not over correct in a time when there is no support system coming down the pipe. >> you talk about the importance of having good underwriting standards. one of the other criticisms of fha is that it is a government agency that is not as nimble. long-term, if you have 3% down payment, it is one thing to trust that the lenders to use the program will operate according to the guidelines, but does the institution have the bandwidth to change circumstances? even if it were not as severe as 2006, say we go through a period where congress allows downpayment-funded assistance. how able is the fha to set those proper underwriting standards? >> there is no question that the fha any other agency needs to be more organized than what we have today. fhfa it is 80 years old. it has never required taxpayer money. the fact that we have a 1000- year flat and fha has plans for a 100-year flat,
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